All Roll Calls
Yes: 184 • No: 31
KentuckyHB 6272026 Regular SessionHouseWALLET
AN ACT relating to insurance.
Sponsored By: Josh Bray (Republican)
Became Law
Consumer ProtectionContractsCorrections ImpactHealth And Medical ServicesHealth Care ProfessionalsHospitals And Health FacilitiesInsurance, Motor VehicleLocal MandateMotor Vehicles
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 2 benefits, 0 costs, 1 mixed.
Bigger no-fault benefits and coverage
The law raises weekly payments for lost income and household help to $500 per week. Payments are prorated for shorter periods, and seasonal or irregular earnings are adjusted each year. It also raises funeral, cremation, and burial coverage to $5,000 per person. It expands who is insured to include the named person, a spouse or other relative living with them, and minors in their or a resident relative’s custody who usually live in the home. These changes apply to policies issued or renewed on or after the law’s effective date.
Tougher insurance fraud enforcement and reporting
The law expands insurance fraud to include lying about damage or repair costs and using fake insurance cards, binders, or policies. The Attorney General can investigate and prosecute these cases along with local prosecutors, who must send fraud findings to the insurance commissioner. Each year, the commissioner posts a public report with how many fraud reports came in, the total dollars sent for prosecution, and the outcomes.
Stronger rules for no-fault medical bills
Medical bills cannot be more than the state fee schedule in effect when you got care, and not less than the schedule on the law’s effective date. A correctly filed medical bill is presumed reasonable, and care from any Kentucky‑licensed healing arts profession counts as a medical expense. Providers must send bills within 180 days of service; late bills may be denied. If an insurer pays late, you get 12% yearly interest, or 18% if the delay had no reasonable foundation. Providers and collectors cannot demand more than the permitted fee or harm your credit for refusing to pay any excess.
Sponsors & Cosponsors
Sponsor
Josh Bray
Republican • House
Cosponsors
Brandon J. Storm
Republican • Senate
Jim Gooch Jr.
Republican • House
Michael Meredith
Republican • House
Roll Call Votes
House vote • 3/31/2026
passed
Yes: 75 • No: 14
Senate vote • 3/27/2026
passed
Yes: 24 • No: 8
House vote • 2/24/2026
3rd reading, passed
Yes: 85 • No: 9
Actions Timeline
Corrections Impact to House Committee Substitute 1
4/14/2026became law without Governor's Signature (Acts Ch. 149)
4/14/2026filed without Governor's signature with the Secretary of State
4/13/2026delivered to Governor
4/1/2026enrolled, signed by President of the Senate
4/1/2026enrolled, signed by Speaker of the House
4/1/2026passed 75-14
3/31/2026House concurred in Committee Substitute (1)
3/31/2026posted for passage for concurrence in Senate Committee Substitute (1)
3/31/2026Senateto Rules (H)
3/31/2026Housereceived in House
3/31/2026Housepassed 24-8 with Committee Substitute (1)
3/27/2026Floor Amendments (1) and (2) withdrawn
3/27/20263rd reading
3/27/2026posted for passage in the Regular Orders of the Day for Friday, March 27 2026
3/26/2026floor amendment (1) filed to Committee Substitute , floor amendment (2) filed to bill
3/26/20262nd reading, to Rules
3/25/2026reported favorably, 1st reading, to Calendar with Committee Substitute (1)
3/24/2026to Banking & Insurance (S)
3/20/2026Senateto Committee on Committees (S)
2/25/2026Senatereceived in Senate
2/25/2026Senate3rd reading, passed 85-9 with Committee Substitute (1)
2/24/2026posted for passage in the Regular Orders of the Day for Tuesday, February 24 2026
2/23/20262nd reading, to Rules
2/19/2026reported favorably, 1st reading, to Calendar with Committee Substitute (1)
2/18/2026
Bill Text
Current
3/31/2026
Introduced
2/2/2026
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